Follow the Links to your right to find the following information...

•  Read important information about the mortgage process
•  Visit the web site of a local mortgage lender / broker.

IMPORTANT! When applying for your financing, it's always best to work with a LOCAL lender.

The lender chooses the Home Appraiser!

1. If the lender chooses a real estate appraiser that is not in the area, that appraiser doesn't have access to the local MLS data which is the greatest source of information about the comparable sales.
2. Local appraisers will often call on local Realtors for additional information on their sales. Such as, did the seller contribute any money toward the buyers closing costs? Think about it. If the seller of one of the comparable sales for the house you want to buy, gave back several thousand dollars toward their buyer's closing costs, then that buyer did not actually pay the amount that's listed as the sales price. In that case, the average value of those comps will be lower, which also means that the appraised value of the house you wish to buy will be lower. You do not want to over pay for your house! An appraiser who is not in the area will not know who to contact, since once again, they do not have access to the MLS.

Read the blog to the right, under the tab about the mortgage process. Then view the web site of one of our local mortgage lenders and decide if you'd like to work with that company. I can also provide you with additional contact information for other local mortgage lenders. Unfortunately, they do not have a web site, but they'll be happy to contact you, so you don't have to pay for a long-distance phone call if you're not in this area.